--- title: The OccuNet Company | Solutions | Accident & Health description: Accident & Health cost containment from OccuNet—custom claim solutions, provider negotiations, and savings for K–12, ICS, and travel programs. --- [![Logo](https://www.occunet.com/hubfs/website/logo.png) ![Logo](https://www.occunet.com/hubfs/occunet-grayscale-logo.png)](https://www.occunet.com/?hsLang=en) - About \+ + - - Solutions \+ + - - [OnPoint](https://www.occunet.com/solutions/onpoint?hsLang=en) - Contact \+ + - - [News](https://www.occunet.com/news?hsLang=en) - [Impact](https://www.occunet.com/impact?hsLang=en) Portal Login ![](https://www.occunet.com/hs-fs/hubfs/About_Dropdown.jpg?width=517&height=514&name=About_Dropdown.jpg) ![](https://www.occunet.com/hs-fs/hubfs/Site%20Photos/OutsideBuilding-20-min.jpg?width=517&height=514&name=OutsideBuilding-20-min.jpg) ![](https://www.occunet.com/hs-fs/hubfs/Site%20Photos/OutsideBuilding-20-min.jpg?width=517&height=514&name=OutsideBuilding-20-min.jpg) ![](https://www.occunet.com/hubfs/website/occunet.png) [Client Login](https://www.occunet.com/clients/login?hsLang=en) [Client Login](https://www.occunet.com/clients/login?hsLang=en) ![](https://www.occunet.com/hubfs/fairos%201.png) [Client Login](https://fairos.com/clients/login) [Member Login](https://fairos.com/members/login) ![](https://www.occunet.com/hubfs/fairosrx%201.png) [Client Login](https://www.fairosrx.com/clients/login) [Member Login](https://www.fairosrx.com/members/#/login) - About \+ + - - Solutions \+ + - - [Impact](https://www.occunet.com/impact?hsLang=en) - [OnPoint](https://www.occunet.com/solutions/onpoint?hsLang=en) - Contact \+ + - - [News](https://www.occunet.com/news?hsLang=en) Portal Login ![fairos-logo-1](https://www.occunet.com/hs-fs/hubfs/fairos-logo-1.png?width=1486&height=372&name=fairos-logo-1.png) # Level-Funded Health Plans A smarter way to fund healthcare. Fairos Level-Funded brings together Reference-Based Pricing (RBP), predictable monthly costs, stop-loss protection, transparent pharmacy benefits, and dedicated member support to help employers lower healthcare spending without sacrificing the member experience. [Start Quoting](https://4zmui.share.hsforms.com/29nzC1E_LTr2UxK4XIoYSGQ) ![OutsideBuilding-2-1](https://www.occunet.com/hubfs/OutsideBuilding-2-1.jpg) ## Advantages of Level-Funding ##### PREDICTABLE, PROTECTED COSTS One fixed monthly cost that combines admin, claims funding, and stop-loss. Specific and aggregate stop-loss cap your downside, so you know your worst case, not just your best guess. ##### SURPLUS RETURNS TO EMPLOYERS Unused claims dollars return to you at the end of the year, not to a carrier’s profit line. ##### SMARTER PRICING, LOWER CLAIMS Reference-Based Pricing prices claims off a defensible benchmark instead of an unknown network discount. Members pay less, too. ##### Pharmacy Control Real drug costs are visible, with lower-cost programs such as international sourcing available to the plan and its members. ##### TAX ADVANTAGES & RECOVERIES ERISA self-funded status removes state premium tax, mandates, and rate regulation, saving you money. Subrogation, COB, claims editing, and high-cost review recover dollars a fully insured carrier historically kept. ##### DATA TRANSPARENCY & RENEWAL ON YOUR TERMS Access every claim to see the real cost drivers and bend the trend. Rated on your own experience, not a pool. A good year is a year you get rewarded for. ## The Fairos Advantage 30%+ ##### Savings vs. PPO Allowed Amounts 100% ##### Transparency Into Medical & Rx Claims Data 100% ##### Unused Claim Funds Returned to You Simple ##### Choose From an Array of Medical Plan Designs #### A better healthcare experience, built around your employees. 01 Advocate for Life Once our members connect with an advocate, they stay connected to that advocate for life. 02 Balance Bill Defense From first notice to final resolution, Fairos owns the process. True advocacy, verified to zero balance. 03 Go Almost Anywhere No narrow network. Broader provider access and lower out-of-pocket costs for our members. ### Optimize Claims With OnPoint With our fast, flexible platform built for precision and control. [Explore OnPoint](https://www.occunet.com/solutions/onpoint?hsLang=en) ### Take Control of Your Healthcare Costs [Contact The OccuNet Company](https://www.occunet.com/contact-us?hsLang=en) [![Logo](https://www.occunet.com/hubfs/website/logo.png)](https://www.occunet.com/?hsLang=en) [1800 S. Washington Street, Ste. 300 Amarillo, Texas 79102](https://www.google.com/maps/place/1800+S+Washington+St+Suite+300,+Amarillo,+TX+79102/data=!4m2!3m1!1s0x87014fa954a29437:0x6e02e9d8ae365766?sa=X&ved=2ahUKEwi2hKvOh52DAxWXkmoFHaVNAicQ8gF6BAgWEAA) [877.880.2126](tel:877.880.2126) follow us: [facebook](https://www.facebook.com/TheOccuNetCompany) | [LINKEDIN](https://www.linkedin.com/company/occunet/) ABOUT - [Our Team](https://www.occunet.com/our-team?hsLang=en) solutions - [Commercial & Taft-Hartley](https://www.occunet.com/solutions/commercial?hsLang=en) - [Accident & Health](https://www.occunet.com/solutions/accident-and-health?hsLang=en) - [Workers’ Comp](https://www.occunet.com/solutions/workers-compensation?hsLang=en) - [Reference-Based Pricing](https://www.occunet.com/solutions/fairos?hsLang=en) - [Pharmacy Benefit Manager](https://www.occunet.com/solutions/FairosRx?hsLang=en) helpful links - [Contact](https://www.occunet.com/contact-us?hsLang=en) - [Careers](https://www.occunet.com/careers?hsLang=en) - [News](https://www.occunet.com/news?hsLang=en) 2025 OccuNet. 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